Before you pay for the required goods with Apple P ay, you should check if this system is configured. Not all Apple gadget owners use the contactless payment option, although it is connected. And in vain, since the advantages of this method are enough, but there are practically no disadvantages.
Those with an Apple phone can take advantage of a new payment system designed specifically for iPhone owners. In fact, this is a regular application that you need to install on your gadget. After that, you must specify a bank card and make purchases.
Apple Pay works on the latest iPhones (6, 6s, etc.). All of these phones have an NFC chip to enable payment. If the user has an Apple Watch, it can also be used to pay for purchases and services using Apple Pay. By the way, owners of earlier versions of phones (5 and 5s) can also use them to pay along with the watch.
Paying for a purchase with a phone instead of a card implies that the payer still has a real bank card. The first bank to use the Apple Pay payment system for its customers was Sberbank. In addition, such banks as VTB 24, Tinkoff Bank, Raiffeisenbank, as well as the Yandex.Money system promise to connect the Internet payment system.
How to connect and set up Apple Pay
For a user to connect to Apple Pay, they must have a compatible device and a credit card. The system allows you to connect up to 12 payment cards on one device. On earlier versions of gadgets, you can add up to 8 cards, no more. Application setup is very fast. The main thing is to link a bank card.
Read also Playing on Steam: how to return and receive money
How to add a card
In order to add the required bank card, you need to use the Wallet application. The program can include it in the list automatically, but if the binding did not occur, then you will have to do everything manually. The instruction consists of the following steps:
If a person uses a Sberbank card, he can set up all the necessary data online through an application from the bank. Just open it and find the section on connecting to Apple Pay. You do not need to enter anything, as the system will "bind" the card on its own.
In the case when the owner has a watch connected, it can also be configured. After adding a card on your phone, you need to go to the "My Watch" tab in Apple Watch and find the activated card. In this case, the system will require the user to come up with a short password.
The app's developers claim that users can pay for goods at any store that uses contactless payments. In order to carry out the procedure, you need to have a mobile phone with you and make sure that the store or restaurant has an appropriate terminal.
You can also pay with your iPhone for purchases in online stores. The main thing is to choose an application that allows you to pay for goods using Apple Pay. The payment system allows Apple product owners to pay for taxis and public transport.
An iPhone owner can easily use this payment service to pay for any goods and services. The purchase is made with almost one touch. If you are using a smartphone or iPad, then it must be applied to a special terminal. Further payment is carried out as follows:
Read also Methods for canceling an order on Aliexpress after payment, options for refund
You can pay for goods and servants using the system using a Mac. To do this, the user will need a Safari browser. The procedure for transferring funds is as follows:
After the procedure, the user will be informed about the withdrawal of money from the card. If a person makes purchases through applications from online stores, then you should check if they support the Apple Pay service. As for the commission, nothing is deducted from the payer.
Important! The owner of the outlet where the procedure for transferring funds is performed must pay the established commission.
Customers who pay with Apple Pay have peace of mind about the security of their data. For example, the bank card number is not saved in the system, on the gadget or on the company's server. And, of course, it is not transferred to the recipient of the funds. Nevertheless, users still have a lot of questions about the reliability of such payments.
As for the pin code, it is impossible to spy on it. The four-digit code is used only in watches, and on a smartphone it is replaced by a fingerprint. Therefore, it is impossible to fake. If the user loses the watch, then another person will not be able to make purchases with their help precisely because of the need to enter a password. To gain access to the owner's finances, it is easier for cybercriminals to find out the password from the payment card.
The service has undoubted advantages, which have already been appreciated by users around the world. When you pay with your phone, you can see the following benefits:
The owner of the gadget does not need to carry ordinary plastic cards with him, since now they are completely replaced by an ordinary smartphone (watch or computer).
To carry out an operation with the terminal, you just need to bring the device to it and confirm the transfer of funds. No need to take out a card, enter a pin code, etc.
Payment for goods via the Internet occurs by pressing a few buttons.
The high level of security of the system allows you not to worry about theft of card data or loss of your phone.
Apple Pay is a mobile payment system, the creators of which made sure that you can immediately start using it when the service is officially launched in Russia. Apple devices such as iPhone (6th model and up), iPad, and Apple Watch already have a built-in Apple Wallet app. As soon as Apple Pay began to operate in our country, a block with Apple Pay appeared in this application, if it is not there, you just need to restart your smartphone.
Configuring the Apple Wallet app to work with Apple Pay
The Apple Pay system is designed to digitize and store plastic card data - bank debit, credit, bonus, club, discount, store cards, travel passes, as well as tickets for transport, concerts, theaters, etc.
For iPhone 6 and newer models, it became possible to use Apple Pay services by replacing plastic bank cards with a mobile device. Owners of iPhone 5 and iPhone 5s can also use this service by connecting to it via Apple Watch.
Before you can set up Apple Pay to work on your device, you need to enable Touch ID authorization. To do this, go to "Settings", then select "Touch ID and passcode", click on one of the switches at the top and carry out the initial setup of the fingerprint recognition system. To set up and connect to Apple Pay on your mobile device, you need to enter your card information in the Apple Wallet app.
After entering the application on the iPhone, you need to select "Add a payment card". To enter the details of the card, you can take a photo of it or enter data manually. After that, the system will check the veracity of the information, whether there are enough funds on the card, and whether the bank that issued the card supports the Apple Pay service.
If everything is in order, then after clicking Next, the device is ready to work with Apple Pay. To prepare the iPad device in the "Settings" select the item "Wallet and Apple Pay", then - the procedure is similar to that described above.
To set up Apple Watch, you need to open the Watch app on your phone and go to the "My Watch" tab (if there are several, you must select one of them), then click "Wallet and Apple Pay". If the iPhone already has data about the card, you need to click "Add" next to it, if not - go through the described procedure "Add a payment card".
Also, if you have not done so before, you need to enable a 4-character lock password on the watch for security. After installation, you can add up to 8 cards to one device and optionally use Apple Pay on multiple devices, however, card information will need to be entered on each of them.
How do I use Apple Pay?
All terminals in Russia that use contactless payment methods can work with the Apple Pay service, these are PayWave, PayPass, NFC, their icons and you need to look for them on the terminals.
Before starting the payment, you need to put your finger on the Touch ID sensor, bring the phone to the terminal and, if you do not release your finger, the payment is automatically made by the system. Paying with Apple Watch is easy too. After selecting the required card in the menu, you need to bring the clock display to the terminal. The passage of the payment will be confirmed by the vibration of the watch.
When paying through Apple Pay, all bonus programs provided by the bank or card issuer are retained. If you need to return an item that was paid for with Apple Pay in a store, this is done in the same way as in the case of payment by credit card, using the device account.
Modern technology makes money transfers safer and more practical. Apple was able to prove this by offering a completely new product and application for working with bank cards. At the same time, the service has received a large number of opportunities and advantages in comparison with similar solutions in the banking sector.
Using Apple Pay in Russia allows its users to not worry about leaving a card at home in any of the selected purchases, because the presence of a smartphone allows you to make similar payments by tying it to a modern gadget.
What iPhones does Apple Pay work on? How to install and pay with this app? We will talk about this in our article.
Setting up Apple Pay
When making payments using a familiar bank and payment card, be it a chip card or a card with a magnetic tape, there is a need to always bring it to the reader and have it in memory. At the same time, a lost or abandoned wallet will not allow you to pay by card. This was the case until recently, until Apple offered its users a completely new product that allows them to pay for purchases using modern smartphones that provide the necessary capabilities and criteria for paying and purchasing desired goods.
How do I install Apple Pay? At the same time, it will be important observe several points, namely:
- Requires a compatible device from the manufacturer
- the owner of the gadget must have a credit card of the issuing bank, which participates in the program for connecting this application in Russia;
- the device used must have an installed version of iOS, watchOS or macOS, with all additions and updates;
- the device must have an Apple ID.
But first it will be necessary connect and configure this application on your gadget... This can be done by considering the following sequence, namely:
- The user goes to the Wallet program, then selects "Add a payment card";
- Actions are taken with the implementation of fixing a new payment card to the device, with the introduction of the card number and validity period. In case the card is already used in iTunes, it can simply be included in this application. For this, a security code is entered;
- The next step will be to confirm the entered data, when the card issuing bank completes the procedure, verifies all the information you provided and authorizes the use of the card in Apple Pay.
- After all the above, the card can be added to the application by simply pressing the "next" button. Then you can fully use Apple Pay.
The ease of use of this modern technology does not require serious programming knowledge or special skills in money transfer. The application allows you to fully replace your existing bank cards, making any purchases, both in a physical store and through the virtual space on the Internet.
How do I pay with Apple Pay? When using a smartphone, it will be enough for you to complete the following procedures to pay for a purchase made in a selected store:
- touch your finger to Touch ID;
- bring the iPhone gadget to the selected terminal.
- if using an Apple Watch, double-press the side button on the device and bring the device close to the terminal.
All payments in the store can be made via Apple Pay from iPhone and Apple Watch, the transaction is confirmed in a matter of seconds. This solution will allow you to combine a large number of cards you have, allowing you to make payments at any time of the day. And constant technical support for this application will help you not to waste extra time waiting for a response on completed payments and purchases.
Which banks in Russia work with Apple Pay
At this point in time, the use of development from Apple is becoming widespread. And it is possible to single out individual banks that are ready to offer free of charge the use of payment and salary cards of their holders for the use of this modern technology. These banks include:
- "Alfa Bank",
- "VTB 24",
- "MDM",
- MTS Bank,
- "Opening",
- Raiffeisen,
- Bank "Saint-Petersburg",
- Sberbank, while the system works exclusively with MasterCard cards,
- Tinkoff.
The owners of Yandex Money cards can also make payments using Apple Pay. This makes shopping easier and safer. With all this diversity, it can be noted that this application allows you not to resort to constant cost control, because only the owner of the smartphone can confirm the payment using a fingerprint.
Which phones support Apple Pay
In order for the application to be able to connect a money transfer, it is necessary to use separate variants of smartphones.
Which iPhones support Apple Pay:
- iPhone 6/6 Plus.
- iPhone 6s / 6s Plus.
- iPhone SE.
- iPhone 7/7 Plus.
Here we can also note such opportunities that will allow the use of the 5th version of the smartphone., but only with a smartwatch from Apple. Applying the latest versions of the watch, namely:
- Apple Watch (1st generation)
- Apple Watch Series 1.
- Apple Watch Series 2,
you will be able to make payments without having a bank card and receive the necessary goods when you go to the selected shopping center or store.
This kind of technology simplifies a person's life, making him more mobile and ready to practically immerse himself in the proposed environment, creating for himself the required conditions and criteria for paying for services or selected purchases. At the same time, the existing security system allows you to limit the amount of payments or notify you about extraordinary transfers from your card that go beyond the usual money traffic.
This can be verified by contacting the bank that is partnering with this new product from Apple. The support service will answer any questions related to the transfer of funds, the same as if you were using your usual bank card.
Watch a video about using Apple Pay in Russia:
Rumor has it that in 2010, USR director Kenneth Weiss visited the Apple office. He did not come there empty-handed, but with a ready-made development of secure contactless payments. The idea was presented to the board of directors of Apple and Visa. Alas, the matter did not move beyond the presentation ...
But Apple would not be Apple if it denied itself the introduction of another mechanism that would allow the company's followers to spend their hard-earned money. Therefore, the company decided that secretly from Weiss they would create this system and would not pay him for patent agreements. So, according to Kenneth Weiss himself, the technology of contactless payments - Apple Pay was born. As you already understood, this article will focus on this technology. Let's figure out how to pay with Apple Pay in stores and the metro, which banks the system works with and how safe it is to use it.
System requirements
Contactless payment technology, as in the case of bank cards, works only with an NFC chip. Therefore, for payment, you will need an iPhone of 2014 or newer, since only these models have the necessary technical equipment. If available, iPhones from 2012 or newer are suitable.
IPhones that support Apple Pay:
- iPhone 5 (when connected to Apple Watch);
- iPhone 5S (when connected to Apple Watch);
- iPhone 6 (including Plus version);
- iPhone 6S (including Plus version);
- iPhone SE (first and second generation)
- iPhone 7 (including Plus version).
You can also make purchases with Apple Pay online:
- Any iPad 2013 or newer is suitable for this.
- Any 2011 or newer (iPhone connected).
- MacBook Pro with TouchBar.
Make sure you have a work ID before using Apple Pay.
Banks that work with Apple Pay
At the time when the technology began to be introduced in Russia, there was only one bank working with Apple - Sberbank. Visa cards did not work in Apple Pay on iPhone either. A month later, all restrictions were lifted, and other banks joined Apple. Now Apple Pay on iPhone is supported by all popular institutions, including Rocketbank, Tinkoff Bank, Alfa-Bank and others.
How to connect?
To get started with Apple Pay, you need to add your credit or debit card to the Wallet app (Apple Pay section). What cards can be added? It must be supported by the bank. It must support PayPass or PayWave technology. Initially, it was possible to use only MasterCard cards, but over time this restriction was abolished, but there are some banks that still prohibit attaching Visa plastic to Apple Pay.
If the card fits, then go straight to adding it to Wallet and connecting contactless payments:
- Open the Wallet program and click on the "Add new card" button.
- In the window that appears, enter the bank card details (if you plan to use a card already used in iTunes, it will be enough to enter the iCloud password).
- After clicking the "Next" button, the bank will start checking your plastic.
- Once your card is verified, you can start using Apple Pay.
On MacBook computers with a TouchBar, the setup process is similar. The Wallet menu is located in the system settings.
How do I pay with Apple Pay in store and subway?
So, we have a suitable smartphone. We've added a credit card to Wallet. It's time to pay. Before paying in the store, make sure that the terminal supports contactless payments - they are usually marked with the company logo or the PayPass icon. If you find a suitable terminal, then put your finger on the Touch ID of your iPhone, and hold your smartphone near the terminal - two or three centimeters away. Payment will take place automatically and the phone can be removed as soon as the confirmation of the completed payment appears on the screen.
How to pay with Apple Pay on the subway? This question is especially relevant in July, when a 50% discount applies to travel on the MCC paid with Apple Pay. To pay for a metro ride, you need to hold your finger on the Touch ID sensor and lean your smartphone against a suitable terminal (usually it is located to the right of all the others). If you manage to buy a ticket during the promotion, then in a few minutes half of the amount spent will be returned to your account.
To activate Apple Pay on Apple Watch, you need to double-click on the button located on the side of the case. After that, you need to turn the watch over with the screen towards the terminal and hold it until you feel a slight vibration.
How do I pay with Apple Pay online?
Apple, unlike Google and Samsung, decided to go beyond just imitating a bank card, and went further by introducing features into websites and apps. To buy something online or in an app using Apple Pay, you need to find the appropriate button - usually it has the Apple Pay logo and nothing else. Immediately after clicking, the program will prompt you to enter an address for invoicing and delivery of goods (you need to enter it once, and Wallet will remember this data). Finally, you need to confirm the payment by placing your finger on the Touch ID sensor.
How to Pay with Apple Pay on iPhone and Mac on Websites? Actually, exactly the same. You need to find the button with Pay, click on it, enter your details and confirm the payment. In the case of a phone and tablet, this is done using the Touch ID sensor. For a Mac, you will need to place your finger on the fingerprint reader on the nearest iPhone connected to your computer.
Security
Apple is renowned for its focus on information security. The company's operating systems are protected like no other in the world. Naturally, when launching its own contactless payment system, Apple could not ignore such an aspect of its work as security.
Your payments are protected on three levels at once:
- The first level is the operating system. Your card details stored in Wallet are securely protected within iOS. The system cannot be hacked remotely, and if you lose your smartphone, you can activate the Find iPhone function and erase all data from your phone, even if it is already turned off.
- The second level is Touch ID. Every payment made with Apple Pay is verified using a fingerprint sensor. This means you don't have to be afraid of 21st century pickpockets walking around with portable payment terminals.
- The third level is tokenization. When paying in a store, the terminal or the application does not receive your card data, but a generated set of numbers (token), in which the command for confirming the payment by the bank is encrypted. Your credit card details will remain on your iPhone forever and will not be shared with third parties.
Connection and payment errors
Many owners of smartphones from Apple are faced with problems in the operation of the payment system. Terminals just don't respond to their phones. What could be the problem and how to use Apple Pay if the terminal refuses to accept payment?
- The first thing worth paying attention to is the region. Check if Apple Pay actually works in your area.
- If so, then try updating your software to the latest version. To do this, go to "Settings - General - Software update".
- If this also could not, then try removing the card, for this go to "Settings - Wallet", find a non-working card and remove it. Then add again accordingly.
- You can solve the problem with the region by changing it in the smartphone settings. Some users managed to trick the system by changing their region of residence to the UK.
- If none of the above has saved, then there is only one option - a trip to the service center. The NFC chip in your machine may be broken.
Impressions and reviews
The launch of Apple Pay in Russia was met with great resonance. People all over the country began to post videos on which they use the new technology to buy food in supermarkets and pay for refueling. The payment system made a vivid impression on the population of the country, as in 9 cases out of 10 it worked flawlessly. Only a few sellers were dissatisfied, who mistook the tampering with the phone for a new type of fraud.
Paying a bill at a restaurant or subway entrance with a watch is not only convenient, but also interesting. The new experience that Apple Pay gives is reminiscent of some fantasy novel, where bracelets turned into a kind of multi-passport combined with a wallet. Most importantly, paying with Apple Pay quickly becomes a habit. Something similar has already happened with Touch ID, without which life is no longer possible.
Promotions, discounts, new functions
It would be blasphemy for Apple to leave such a promising and popular technology without development. And they didn't. The interest in paying with Apple Pay is fueled in every possible way with the help of all kinds of promotions, discounts and special offers. Those who just added a card to their wallet were faced with unprecedented generosity and could get a movie ticket or a juicy hamburger at a popular cafe for free. Those who did not have time can now ride the MCC with a 50% discount. This is not the end. Apple really wants you to pay using their smartphones, which means that they will not leave partners alone for a long time, buying special offers from them for their users.
Much attention is paid to the development of the functional component of Apple Pay. So, in iOS 11 it will be possible to send money to other users. Each iPhone owner will receive a virtual account that will work in parallel with real bank cards. It is to this account that you can send money using iMessage.
Instead of a conclusion
What do we have in In fact, all of the above can be described in one word - the future. More and more aspects of our everyday life are realized through smartphones. Now our wallet has been added to them. Your phone used to be a great player and camera, and now it has become the most secure wallet in the world, from which it is impossible to steal money. Perhaps this says it all, and there is not a single reason to deny yourself to try out a new technology in business today.
Apple Pay is a contactless mobile payment system created by Apple. This system was first demonstrated on September 9, 2014. Near Field Communication, also known as NFC, is supported by most Apple mobile devices, such as iPhone 6/6 Plus, 6s / 6s Plus, SE, 7/7 Plus, 8/8 Plus, X, XS, XS Max, and XR , as well as all models of "smart" watches Apple Watch.
In contact with
The technology allows you to pay for purchases, including on the Internet, using wearable gadgets. Apple Pay is compatible with Wallet, and you can use Touch ID (or Face ID on iPhone X, XS, and XR) fingerprint technology for security.
The system allows you to make payments from cards using Apple's wireless connection instead of a magnetic stripe. To confirm the payment, use the Touch ID fingerprint sensor or double-click on the Apple Watch. The card for payment is selected in the Wallet app.
At the same time, on phones that are not equipped with NFC, such as the iPhone 5, 5C and 5S, Apple Pay can be used using the Apple Watch. When you put your watch on, you will need to enter your Apple Pay PIN.
The system does not transmit the data of the connected cards when paying, instead, a dynamic security code is used. If you lose your device, you can turn off the system using Find My iPhone.
Despite the fact that users are not charged a fee for using the system, banks still deduct a certain percentage of Apple from each purchase made using the service. In Russia, the commission is 0.05% on purchases made with debit cards and 0.12% for credit cards. In addition, banks pay 45 rubles a year for each card connected to the service.
Apple Pay Cash will launch in 2018, allowing you to transfer funds between cards added to Apple Pay using iMessage.
Apple Pay currently supports contactless readers such as Visa PayWave, MasterCard PayPass, and American Express ExpressPay.
Every day more and more retail chains and banks declare their support for the system. Apple Pay is compatible with major credit and debit cards from major credit institutions.
To work with the system, you just need to add a supported card and then pay using the gadget.
If your bank is not yet supported, stay tuned for Apple updates. Perhaps soon it will appear in the list of supported credit organizations.
Apple Pay is currently available in countries such as Russia, Finland, China, Japan, USA, Canada, France, Sweden, Switzerland, Italy, UAE, etc.
Which banks in Russia support Apple Pay
- Bank "AK BARS"
- "Axonbank"
- "Alfa Bank"
- "Aresbank"
- B&N Bank (including cards issued by MDM Bank)
- Bank "Devon-Credit"
- Bank opening"
- Bank "AVANTGARDE" (Mastercard and Visa credit cards)
- Round Bank
- Bank "Saint-Petersburg"
- URALSIB Bank
- Bank "ZENIT"
- Beeline card (prepaid Mastercard)
- Chelyabinvestbank (Mastercard and Visa debit and credit cards)
- "Conservative Commercial Bank"
- PJSC "Credit Bank of Moscow"
- "Credit Europe Bank"
- RNCO "Payment Center" (LLC) (prepaid Mastercard)
- "Credit Ural Bank"
- "Kredprombank"
- Energotransbank
- Freedom Finance Bank
- Gazprombank
- Home Credit Bank
- J&T Bank
- Khakass Municipal Bank
- Bank Khlynov"
- Bank "Kuban Credit"
- Kukuruza card (prepaid Mastercard)
- Bank "Levoberezhny"
- Modulbank
- "Moscow Industrial Bank"
- MTS Bank
- National Standard Bank
- "Natsinvestprombank"
- "NIKO-BANK"
- "NS Bank"
- Bank "Orient"
- "Post Bank"
- Primsotsbank
- "Promsvyazbank"
- Raiffeisenbank
- Rocketbank
- RosEvroBank (Mastercard and Visa credit and debit cards)
- "Rosselkhozbank"
- "All-Russian Bank for Regional Development"
- Russian Standard Bank (Mastercard credit and debit cards)
- Sberbank
- SDM-Bank
- Sovcombank
- Ural Bank for Reconstruction and Development
- Tinkoff Bank
- Tochka Bank (Mastercard debit cards)
- "UniCredit Bank"
- UralCapitalBank
- Bank "Venets"
- Bank "Vesta"
- Vladbiznesbank
- "Eastern Bank"
- Bank "VTB 24"
- Yandex.Money (prepaid Mastercard)
- "Zemsky Bank"
Loading...
